A family of four with a dog in the backseat of a car, smiling and enjoying the trip.

Drive away with a rate you'll actually love.

Get an affordable rate, fast approval, and zero surprises when you work with MyUSA Credit Union for your next auto loan.

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8 local branches

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Quick decisions

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Free CARFAX Report

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Affordable, Local, Trusted

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8 local branches ∘ Quick decisions ∘ Free CARFAX Report ∘ Affordable, Local, Trusted ∘

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Earn 1.5% cash back up to $500* on auto loans

Budgets are tight for everyone these days. That’s why we’re proud to offer affordable auto loan rates to members across Southwest Ohio — plus, earn 1.5% cash back up to $500*, for a limited time.

Get Started

Scroll to the bottom of the page for a direct application link

Why MyUSA?

No big bank energy. We’re a Member-owned credit union serving Southwest Ohio for nearly a century – we know our communities.

Calculator with a digital display and multiple buttons
A sign with the word 'BUY' and a hand pointing to it
Icon of a money bag with a dollar sign
A medal or badge with a dollar sign in the center.

Free CARFAX Report

We provide a free vehicle history report to protect every Member — at no extra cost.

Auto Link Car Buying Site

Get upfront pricing, take virtual test drives, and get guided through the whole process online.

Little to No Down Payment

Even taxes and fees can be rolled into a loan. More cash stays in your pocket.

Loan Protection Options

GAP, Depreciation Protection Waiver, Debt Protection, and Mechanical Breakdown Protection available.

Car Loan Calculator

3 steps to your new ride

HOW IT WORKS

1

Enter your email

No obligation to get started.

2

Complete your application

Quick and easy online, with real people and local experts ready to walk you through your options and help you make the best budget-friendly decision.

3

Drive away

If your application is approved, you can sign your documents and hit the road, all without setting foot in a branch. It’s that simple.

GET STARTED

Scroll to the bottom of the page for a direct application link

Trusted by Members

  • Opened accounts here, as well as two car loans, and these folks are the absolute BEST to work with. Professional, courteous, efficient, and thorough.

    —Cindi L.

  • I opened my first bank account here 20 years ago and couldn't be happier. This bank has helped me through every point in my life from low interest loans, financing a new car at fixed rates, and financial hardships during rough patches.

    —Jocelyn N.

  • My wife and I had the best and easiest transaction when it came to purchasing a vehicle through My USA Credit Union. They are easy to work with and very helpful along the way with the process!

    —Hudson S.

Frequently Asked Questions

  • Cars, trucks, SUVs, motorcycles, boats, campers, ATVs, jet skis, and RVs — new or used.

  • You'll become a member as part of the process – just $5 to open your Main Share account. Open to anyone who lives, works, worships, or attends school in Butler, Clark, Greene, Miami, Montgomery, or Warren County, Ohio.

  • $5,000 minimum for standard loans. $10,000 minimum for terms over 63 months. $95 processing fee and title fees ($15–$32) apply.

  • No prepayment penalties — pay it off early without any extra fees.

  • You can check your score anytime for free with SavvyMoney in our app, with no impact to your score, or get personalized guidance from our team.

Find Us Near You

  • Exterior view of a MyUSA Credit Union building with a parking lot and handicapped parking spaces in the foreground, under a partly cloudy sky.

    Plaza

    BRANCH & ATM

    3600 Towne Blvd
    Middletown OH, 45005

  • Empty service counter at MyUSA credit union with a blue wall, desks, and a beaming heart logo

    Crawford

    BRANCH & ATM

    1201 Crawford St
    Middletown, OH 45044

  • A drive-thru area of a service station with a red brick building, ATM and pay phone, and signs indicating open and pet. In the background, there is an AutoZone store and a parking lot with cars.

    Trenton

    BRANCH & ATM

    933 West State St
    Trenton, OH 45067

  • A sign for My USA Credit Union on a stone base in a grassy area, with a clear blue sky and power lines overhead.

    Vandalia

    BRANCH & ATM

    536 W National Rd
    Vandalia, OH 45377

  • Exterior of a white building with a red awning, bushes, and a sidewalk in front, and a sign that reads 'MyUSA' on the building.

    Kettering

    BRANCH & ATM

    21 West Dorothy Ln
    Kettering, OH 45429

  • Inside a financial services office, a long counter with multiple computer stations and signs for car loans, credit cards, and home loans displayed above. The front of the counter has a sign saying 'My USA' with a patriotic design.

    Kettering in Reynolds & Reynolds

    BRANCH

    1 Reynolds Way
    Kettering, OH 45430

  • Exterior of a MyUSA Credit Union branch with large front windows and a blue facade.

    Moraine

    BRANCH & ATM

    3115 S Dixie Dr
    Dayton, OH 45439

  • A building with a sign that reads "My USA" outside, with bushes in front and a paved parking area.

    Springfield

    BRANCH & ATM

    1620 Upper Valley Pike
    Springfield, OH 45504

A smiling woman and man enjoying a road trip inside a car, with the woman in the passenger seat and the man driving.

Ready to roll?

Join your neighbors across Southwest Ohio who trust MyUSA to get them on the road for less.

Apply for an Auto Loan

Disclosures

* Offer valid for new MyUSA Credit Union auto, motorcycle, boat and RV loan applications received between April 1 and June 30, 2026, and closed by July 31, 2026. For qualified new purchase and refinanced loans that are currently not held by MyUSA CU, primary member will receive up to 1.5% cash back, with a maximum of $500, per eligible refinanced loan. Cash back amount will be deposited into the Applicant’s Main Share Savings within 10 business days of loan closing and is considered taxable income; recipient is responsible for reporting the amount to the IRS. Loans will be approved up to current loan limits and under normal underwriting conditions based upon each individual’s credit history and underwriting factors. Offer valid on auto, motorcycle, boat, and RV loans only and cannot be used to refinance an existing MyUSA loan or on vehicles with free and clear titles. In order to obtain a loan, you must first become a MyUSA CU member, be 18 years of age, and satisfy MyUSA’s underwriting criteria; not all applicants will qualify. Member is not required to make any payments for up to 90 days after the date the loan is closed, but interest accrues. If debt protection is purchased and added to the loan, the first payment MUST be made by the 90th day from the date the loan was closed or debt protection coverage will be cancelled. Offer effective April 1, 2026, is subject to change or end without notice, and cannot be combined with any other offer. Other terms, conditions, limits and fees may apply; speak to a MyUSA Associate for more details.